Canstar’s 2018 Credit Card Star Ratings

The average 5-Star rated low rate credit cards’ interest rate is 13.23% compared to the low rate market average of 18.58%.

To cover the majority of card spending habits, usage behaviours (which includes line of credit and use of Frequent Flyer points), and payment patterns (whether people pay the monthly balance or the minimum), the Canstar Research team adopted four different cardholder profiles, including: